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\frac{4+1}{4}-\frac{3\times 20+18}{20}
Multiply 1 and 4 to get 4.
\frac{5}{4}-\frac{3\times 20+18}{20}
Add 4 and 1 to get 5.
\frac{5}{4}-\frac{60+18}{20}
Multiply 3 and 20 to get 60.
\frac{5}{4}-\frac{78}{20}
Add 60 and 18 to get 78.
\frac{5}{4}-\frac{39}{10}
Reduce the fraction \frac{78}{20} to lowest terms by extracting and canceling out 2.
\frac{25}{20}-\frac{78}{20}
Least common multiple of 4 and 10 is 20. Convert \frac{5}{4} and \frac{39}{10} to fractions with denominator 20.
\frac{25-78}{20}
Since \frac{25}{20} and \frac{78}{20} have the same denominator, subtract them by subtracting their numerators.
-\frac{53}{20}
Subtract 78 from 25 to get -53.